The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,103
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$288/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$588/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,348/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,127
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$275/mo
Today · 4.125%
HK$10,674
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,348/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,924
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,263
−HK$346/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,315
+HK$706/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,218/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,152
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,478
−HK$331/mo
Today · 4.125%
HK$12,809
baseline
▲ 0.50% · 4.625%
HK$13,484
+HK$675/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,618/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,744
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$402/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,086/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,178
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$386/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,731
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$518/mo
Today · 4.125%
HK$17,413
baseline
▲ 0.50% · 4.625%
HK$18,472
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,826/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,229
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$496/mo
Today · 4.125%
HK$19,213
baseline
▲ 0.50% · 4.625%
HK$20,226
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,426/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).